Call reports 2005
TEXSTAR NATIONAL BANK — 2005
What TEXSTAR NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 55,509,000 | 59,912,000 | 68,628,000 | 70,464,000 |
| Total loans | 38,060,000 | 42,244,000 | 44,599,000 | 50,783,000 |
| Allowance for loan losses | 461,000 | 501,000 | 546,000 | 590,000 |
| Securities available for sale | 8,944,000 | 8,926,000 | 8,935,000 | 11,445,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,711,000 | 52,096,000 | 60,816,000 | 60,238,000 |
| Interest-bearing deposits | 35,306,000 | 38,989,000 | 46,649,000 | 45,234,000 |
| Noninterest-bearing deposits | 12,405,000 | 13,107,000 | 14,167,000 | 15,005,000 |
| Equity capital | 6,662,000 | 6,651,000 | 6,617,000 | 9,051,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 618,000 | 1,342,000 | 2,172,000 | 3,151,000 |
| Interest expense | 103,000 | 285,000 | 561,000 | 882,000 |
| Net interest income | 515,000 | 1,057,000 | 1,611,000 | 2,269,000 |
| Noninterest income | 122,000 | 195,000 | 284,000 | 361,000 |
| Noninterest expense | 560,000 | 1,144,000 | 1,796,000 | 2,543,000 |
| Provision for loan losses | 40,000 | 80,000 | 125,000 | 170,000 |
| Pretax income | 37,000 | 28,000 | -26,000 | -147,000 |
| Income tax | 3,000 | 6,000 | 10,000 | 13,000 |
| Net income | 34,000 | 22,000 | -36,000 | -160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,548,000 | 5,554,000 | 5,513,000 | 7,904,000 |
| Total capital | 6,009,000 | 6,055,000 | 6,059,000 | 8,494,000 |
| Risk-weighted assets | 40,317,000 | 44,200,000 | 48,513,000 | 53,145,000 |
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